Kevin Brunson Daily Mountain Trail Runner and NV Insurance Agent.

The link to the following article was written by an UNR Professor. Link: http://www.seismo.unr.edu/htdocs/eqinsurance.html. Please cut and paste the above link to view.

If your interested in a recent article regarding the possibility of a major earthquake in Nevada, cut and paste to read the link below. Reno Gazette-Journal article link: http://news.rgj.com/apps/pbcs.dll/article?AID=/20080327/NEWS/803270351

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We are an independent insurance agency and periodically we receive telephone calls from people who have moved to Nevada from another state. They are calling us because they want to insure with the same carrier. We spoke with someone whom moved to Nevada early in the year and they registered their vehicle and made an address change with their out-of-state insurance company. Unfortunately they did not realize at the time, that their Nevada registered automobile needed to be insured by a Nevada insurer. The result was a $250.00 dollar fine. Thus, whether your moving into Nevada or a moving to another state, remember to check with the state's department of motor vehicles department to ensure you are following the law. Fortunately most States have a website. In Nevada that link is http://www.dmvnv.com/ .

One of my clients asked me what his rights were when filing an auto insurance claim. I explained to him that as a policy owner he has certain rights. First, every state has laws protecting consumers. Second, when you purchase insurance you enter into a legal contract between you and your insurer. Thus, the policy (contract) defines your rights and obligations of the insurance company. If you have any questions regarding your rights as outlined in your automobile insurance policy, talk to your insurance agent or company representative. You may also feel compelled to contact your state insurance department. In Nevada, the Nevada Department of Insurance can be reached at (775) 687-4270 or on the web: http://doi.state.nv.us .

By Michelle Deininger, InsWeb The issue of mold in homes has been getting a lot of attention lately – with good reason. Homeowners face costly repairs when property is damaged by mold growth, and, in some cases, families experience serious health problems related to mold. As the problems mount, insurance companies are confronting rising claims costs and, sometimes, disagreements over who is responsible when mold attacks. First, the bad news: As a general rule, mold is not covered by homeowners insurance policies. Standard homeowners policies cover disasters and accidents, but aren’t designed to cover cleaning and maintenance, which is the category mold falls into according to insurers. An exception: In cases where mold results from some accident or disaster (such as bursting pipes), repairs and eradication may be covered. In addition, mold can cause serious health problems for people who suffer from asthma or have allergies (an estimated one in five of us), and can worsen cold symptoms...

SOUTH LAKE TAHOE , CA How to Avoid Being Scammed During a Disaster June 29, 2007 09:37 AM PDT As the rebuilding process begins after the Angora wildfires in Lake Tahoe , be extremely cautious when hiring contractors. Unscrupulous contractors may take advantage of people who have experienced a catastrophic event. Take your time in choosing true professionals to repair your home. Immediately report any suspicious behavior to your local police, sheriff's department. Be cautious of flyers and business cards left on your doorstep. Nine Checks to Not Get Scammed... Get estimates from several licensed, bonded contractors. Check their credentials with your local Better Business Bureau or Home Builders Association. Ask your neighbors what they're paying for similar work. Inspect contractors' licenses and proof of liability insurance. Get a contract in writing. Avoid paying money up-front. Some reputable contractors will require partial, up-f...